Bajaj Finserv Ltd

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Bajaj Finserv Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents
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Bajaj Finserv Ltd

₹ 1,850 -0.15%
21 Sep - close price
bajajfinserv.in BSE: 532978 NSE: BAJAJFINSV F&O
About

Bajaj Finserv Ltd. is the holding company for the various financial services businesses under the Bajaj group. It serves millions of customers by providing solutions for asset acquisition through financing, asset protection through general insurance, family and income protection in the form of life and health insurance, and retirement and savings solutions.[1]

Key Points

Business Overview [1]
The company is an unregistered Core Investment Company (CIC) under RBI regulations and acts as the holding company for various financial services businesses of the Bajaj Group. It provides lifecycle financial solutions through lending, general insurance, life and health insurance, healthcare services, savings and wealth management products, and retirement solutions such as annuities.

Website BSE NSE F&O
  • Market Cap ₹ 2,96,349 Cr.
  • Current Price ₹ 1,850
  • High / Low ₹ 2,195 / 1,597
  • Stock P/E 134
  • Book Value ₹ 63.6
  • Dividend Yield 0.08 %
  • ROCE 19.2 %
  • ROE 15.4 %
  • Face Value ₹ 1.00
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Pros

  • Company is almost debt free.
  • Company is expected to give good quarter
  • Company has delivered good profit growth of 51.6% CAGR over last 5 years
  • Company's median sales growth is 53.0% of last 10 years

Cons

  • Stock is trading at 29.1 times its book value
  • Working capital days have increased from 42.6 days to 66.8 days

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

Peer comparison

Financial Services Financial Services Finance Holding Company

Part of BSE Sensex Nifty 50 BSE 500 BSE 100 BSE 200

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Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025 Dec 2025 Mar 2026 Jun 2026
595 1,011 49 44 909 1,217 71 65 434 1,473 63 47 1,534
54 52 49 39 59 60 65 61 64 77 67 82 103
Operating Profit 541 959 0 5 850 1,157 6 4 371 1,396 -5 -35 1,431
OPM % 91% 95% 0.7% 10% 93% 95% 8% 6% 85% 95% -8% -76% 93%
8 8 8 11 9 10 10 9 20 9 8 23 8
Interest 0 0 0 0 0 0 0 0 0 0 0 0 0
Depreciation 1 1 1 1 1 1 1 2 1 1 1 2 13
Profit before tax 549 967 7 14 857 1,166 15 12 389 1,403 2 -13 1,426
Tax % 26% 22% 40% 45% 26% 22% 27% 35% 15% 23% 72% -219% 22%
404 754 4 8 633 908 11 8 330 1,085 1 16 1,118
EPS in Rs 2.53 4.73 0.03 0.05 3.96 5.68 0.07 0.05 2.06 6.79 0.00 0.10 6.98
Raw PDF

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026 TTM
209 249 163 252 448 815 392 696 1,147 1,733 2,299 2,077 3,115
51 55 60 84 121 130 142 162 170 193 245 290 329
Operating Profit 158 194 103 168 327 685 250 535 978 1,540 2,054 1,787 2,786
OPM % 76% 78% 63% 67% 73% 84% 64% 77% 85% 89% 89% 86% 89%
2 2 2 0 0 -0 -0 33 0 1 -1 -0 49
Interest 0 0 0 0 0 0 0 0 0 0 0 0 0
Depreciation 3 1 1 1 2 3 5 4 3 3 4 6 18
Profit before tax 158 195 104 167 326 682 245 563 975 1,537 2,049 1,781 2,817
Tax % 20% 16% 33% 15% 6% 2% 27% 25% 25% 24% 24% 20%
126 163 70 142 307 667 179 424 733 1,170 1,559 1,432 2,219
EPS in Rs 0.79 1.03 0.44 0.89 1.93 4.19 1.12 2.67 4.60 7.33 9.76 8.95 13.87
Dividend Payout % 22% 17% 40% 20% 13% 12% 27% 15% 17% 14% 10% 17%
Compounded Sales Growth
10 Years: 24%
5 Years: 40%
3 Years: 22%
TTM: 74%
Compounded Profit Growth
10 Years: 24%
5 Years: 52%
3 Years: 25%
TTM: 77%
Stock Price CAGR
10 Years: 19%
5 Years: 0%
3 Years: 6%
1 Year: -11%
Return on Equity
10 Years: 14%
5 Years: 17%
3 Years: 18%
Last Year: 15%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
Equity Capital 80 80 80 80 80 80 80 80 159 159 160 160
Reserves 2,481 2,616 2,686 2,800 3,055 3,456 3,721 4,289 5,089 6,410 8,212 10,022
0 0 0 0 0 0 0 0 0 0 0 0
80 51 48 47 58 65 68 70 70 82 153 168
Total Liabilities 2,640 2,747 2,814 2,927 3,193 3,600 3,869 4,438 5,318 6,651 8,525 10,350
75 75 74 73 73 158 159 110 115 113 127 127
CWIP 1 1 1 8 33 0 2 4 4 4 5 13
Investments 2,514 2,379 2,666 2,758 2,937 3,340 3,495 4,191 5,078 6,401 7,884 9,654
51 292 73 87 149 102 213 133 120 132 509 556
Total Assets 2,640 2,747 2,814 2,927 3,193 3,600 3,869 4,438 5,318 6,651 8,525 10,350

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
39 96 42 142 312 639 169 611 788 1,344 1,724 1,610
-15 179 -264 -104 -237 -575 -149 -565 -805 -1,304 -1,723 -1,721
-28 -55 -1 -28 -28 -119 -0 -48 3 -25 -4 100
Net Cash Flow -4 221 -223 11 48 -56 20 -3 -14 14 -3 -11
Free Cash Flow 29 94 41 134 285 584 162 685 780 1,342 1,336 1,548
CFO/OP 46% 68% 77% 103% 103% 96% 98% 141% 105% 111% 106% 114%

Ratios

Standalone Figures in Rs. Crores / View Consolidated

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
Debtor Days 7 12 1 6 0 0 0 1 0 0 0 0
Inventory Days
Days Payable
Cash Conversion Cycle 7 12 1 6 0 0 0 1 0 0 0 0
Working Capital Days -80 1 17 23 18 11 25 23 15 7 54 67
ROCE % 6% 7% 4% 6% 11% 20% 7% 13% 20% 26% 27% 19%

Insights

In beta
Mar 2016 Mar 2018 Mar 2020 Mar 2021 Mar 2022 Mar 2024 Mar 2025 Mar 2026
Bajaj General Insurance GWP
INR Crore

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Bajaj Life Insurance RWRP
INR Crore
Bajaj Life Insurance 13th Month Persistency
%
Bajaj Life Insurance VNB
INR Crore
BFL Customer Franchise
Crore
Bajaj Finserv AMC AUM
INR Crore
Bajaj General Insurance Market Share
%

Extracted by Screener AI

Shareholding Pattern

Numbers in percentages

Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
60.69% 60.69% 60.69% 60.64% 60.64% 60.64% 60.64% 58.81% 58.81% 58.81% 58.72% 58.72%
7.66% 7.91% 8.42% 8.39% 8.24% 7.40% 7.53% 8.40% 8.11% 8.06% 7.23% 6.90%
7.09% 7.48% 7.33% 7.60% 8.13% 8.91% 8.99% 10.09% 10.49% 10.74% 11.76% 12.11%
24.31% 23.70% 23.38% 23.18% 22.84% 22.93% 22.71% 22.60% 22.52% 22.37% 22.16% 22.23%
0.25% 0.21% 0.18% 0.19% 0.14% 0.12% 0.10% 0.10% 0.07% 0.02% 0.13% 0.06%
No. of Shareholders 6,60,2955,85,2205,67,0417,08,4328,07,3607,77,6807,08,8456,83,2796,39,6246,17,0716,01,4575,97,797

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

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Documents

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